Zip code 12304: Schenectady, New York

Q: What city is zip code 12304?

12304 is assigned to Schenectady, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 12304 in?

12304 is mostly in Schenectady County, but it extends into 1 other county.

Q: What is the population of 12304?

About 22,403 people live in 12304, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 12304?

The median household income in 12304 is $69,235.

Q: What zip codes are near 12304?

The closest zip codes to 12304 are 12303, 12309, 12307, 12301, 12308.

Residential delivery areaSchenectady CountyEastern Time

Population

22,403

Median household income

$69K

U.S. $81K

Median home value

$179K

U.S. $333K

Median rent

$1,100/mo

U.S. $1,413

Median age

U.S. 38.9

Land area

6.7 sq mi

3,362 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 12304

12304 is an urban zip code in Schenectady, New York (Schenectady County), covering 6.7 sq mi of land. About 22,403 people live here, or 3,362 per square mile. The median resident is 41 years old, compared with 38.9 nationally.

The median household earns $69,235 a year, 14% below the national median of $80,734. 22.1% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $179,200, or 2.6 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 60% of occupied homes are lived in by their owners, and renters pay a median of $1,100 a month.

26% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 22.8 minutes each way, and 13% of workers work from home. The most common jobs among working residents are in office and administrative support; healthcare; and transportation and moving goods.

How 12304 compares

Sorted from highest to lowest national percentile

Diversity index70.9
95th
U.S. 61.4 · NY 65.551st of 1,693 in NY
Unemployment rate8.6%
89th
WeaknessU.S. 5.2% · NY 6.4%250th of 1,685 in NY
Poverty rate22.1%
88th
WeaknessU.S. 12.5% · NY 14%179th of 1,679 in NY
Healthcare workers12.3%
83rd
U.S. 9.7% · NY 11.8%514th of 1,685 in NY
Income inequality (Gini)0.484
83rd
WeaknessU.S. 0.483 · NY 0.517330th of 1,669 in NY
Rent-burdened renters57.3%
75th
U.S. 51.1% · NY 52.1%470th of 1,579 in NY
Tech workers4.6%
75th
U.S. 3.8% · NY 3.5%258th of 1,685 in NY
Government workers17%
72nd
U.S. 14.5% · NY 16.4%946th of 1,685 in NY
Population density3,362/sq mi
70th
U.S. 95/sq mi · NY 421/sq mi357th of 1,693 in NY
Foreign-born residents16.9%
68th
U.S. 14.1% · NY 22.8%346th of 1,693 in NY
Residents 65 and older19%
67th
U.S. 17.2% · NY 17.9%947th of 1,693 in NY
Median age41
65th
U.S. 38.9 · NY 39.81,103rd of 1,693 in NY
Residents under 1822.5%
54th
U.S. 22% · NY 20.5%482nd of 1,693 in NY
Work from home13.4%
53rd
U.S. 15.1% · NY 14.9%677th of 1,685 in NY
Median earnings per worker$48,104
50th
U.S. $49,666 · NY $55,3211,016th of 1,676 in NY
Self-employed workers8.8%
43rd
U.S. 10% · NY 9.7%978th of 1,685 in NY
Per capita income$36,797
40th
U.S. $44,673 · NY $50,7121,116th of 1,690 in NY
Population22,403
35th
U.S. 334,922,499 · NY 19,852,366297th of 1,693 in NY
Bachelor's degree or higher25.6%
35th
U.S. 35.7% · NY 40.2%1,097th of 1,691 in NY
Median household income$69,235
34th
U.S. $80,734 · NY $85,9741,109th of 1,602 in NY
Homeownership rate59.6%
31st
U.S. 65.2% · NY 54.3%1,360th of 1,673 in NY
Veterans4.3%
30th
U.S. 6.2% · NY 3.7%1,057th of 1,693 in NY
Median gross rent$1,100
28th
U.S. $1,413 · NY $1,621763rd of 1,367 in NY
Average commute22.8 min
28th
U.S. 26.4 min · NY 32.6 min1,182nd of 1,618 in NY
Median home value$179,200
17th
U.S. $332,700 · NY $423,8001,118th of 1,614 in NY
Broadband access86.4%
17th
WeaknessU.S. 91% · NY 90.8%1,295th of 1,673 in NY
Uninsured rate3.1%
13th
StrengthU.S. 8.4% · NY 5.1%951st of 1,689 in NY
Housing vacancy2%
4th
U.S. 10.1% · NY 10%1,548th of 1,675 in NY

Measure	12304	Schenectady	NY	U.S.	National percentile	Rank in NY
Diversity index	70.9	51.7	65.5	61.4	95th	51st of 1,693
Unemployment rateWeakness	8.6%	5.8%	6.4%	5.2%	89th	250th of 1,685
Poverty rateWeakness	22.1%	13.3%	14%	12.5%	88th	179th of 1,679
Healthcare workers	12.3%	10.3%	11.8%	9.7%	83rd	514th of 1,685
Income inequality (Gini)Weakness	0.484	0.449	0.517	0.483	83rd	330th of 1,669
Rent-burdened renters	57.3%	53.9%	52.1%	51.1%	75th	470th of 1,579
Tech workers	4.6%	4%	3.5%	3.8%	75th	258th of 1,685
Government workers	17%	20.9%	16.4%	14.5%	72nd	946th of 1,685
Population density	3,362/sq mi	784/sq mi	421/sq mi	95/sq mi	70th	357th of 1,693
Foreign-born residents	16.9%	10%	22.8%	14.1%	68th	346th of 1,693
Residents 65 and older	19%	17.9%	17.9%	17.2%	67th	947th of 1,693
Median age	41	39.6	39.8	38.9	65th	1,103rd of 1,693
Residents under 18	22.5%	21.5%	20.5%	22%	54th	482nd of 1,693
Work from home	13.4%	14.3%	14.9%	15.1%	53rd	677th of 1,685
Median earnings per worker	$48,104	$54,742	$55,321	$49,666	50th	1,016th of 1,676
Self-employed workers	8.8%	6.2%	9.7%	10%	43rd	978th of 1,685
Per capita income	$36,797	$43,516	$50,712	$44,673	40th	1,116th of 1,690
Population	22,403	160,369	19,852,366	334,922,499	35th	297th of 1,693
Bachelor's degree or higher	25.6%	36.1%	40.2%	35.7%	35th	1,097th of 1,691
Median household income	$69,235	$79,623	$85,974	$80,734	34th	1,109th of 1,602
Homeownership rate	59.6%	64%	54.3%	65.2%	31st	1,360th of 1,673
Veterans	4.3%	5.3%	3.7%	6.2%	30th	1,057th of 1,693
Median gross rent	$1,100	$1,194	$1,621	$1,413	28th	763rd of 1,367
Average commute	22.8 min	22.8 min	32.6 min	26.4 min	28th	1,182nd of 1,618
Median home value	$179,200	$235,700	$423,800	$332,700	17th	1,118th of 1,614
Broadband accessWeakness	86.4%	89.6%	90.8%	91%	17th	1,295th of 1,673
Uninsured rateStrength	3.1%	3.1%	5.1%	8.4%	13th	951st of 1,689
Housing vacancy	2%	6.1%	10%	10.1%	4th	1,548th of 1,675

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

17%

5–17

18–24

14%

25–34

12%

35–44

12%

45–54

15%

55–64

12%

65–74

75+

Median age

Under 18

22.5%

65 and over

19%

Race and ethnicity

White47%
Black18%
Hispanic7%
Asian11%
Native American0%
Pacific Islander0%
Other2%
Multiracial13%

Diversity index

70.9

U.S. 61.4

Foreign-born

16.9%

U.S. 14.1%

Born in state

70.8%

Language spoken at home (households)

English only

85%

Spanish

Other Indo-European

Asian / Pacific

Other

0.2%

Households

Households: 9,306
Average household size: 2.4
Family households: 55.5%
Married couples: 34.7%
Living alone: 34.1%
Veterans (of adults): 4.3%
Male / female: 48% / 52%

Income and poverty

Household income distribution

<$25k

23%

$25–50k

15%

$50–75k

17%

$75–100k

14%

$100–150k

15%

$150–200k

$200k+

Median household income

12304

$69,235

Schenectady Co.

$79,623

New York

$85,974

United States

$80,734

Per capita income

$36,797

U.S. $44,673

Poverty rate

22.1%

U.S. 12.5%

Households earning $150K+

16.4%

U.S. 23%

Income inequality (Gini)

0.484

U.S. 0.483

Housing

Median home value

12304

$179,200

Schenectady Co.

$235,700

New York

$423,800

United States

$332,700

Median gross rent

12304

$1,100

Schenectady Co.

$1,194

New York

$1,621

United States

$1,413

Types of housing

Single-family

61%

2–4 units

23%

5–19 units

20+ units

Mobile home

Boat, RV, van

0.0%

Housing units: 9,495
Owner-occupied: 59.6%
Vacant: 2%
Median year built: 1956
Median rooms: 5.4
Renters paying 30%+ of income: 57.3%
Renters paying 50%+ of income: 44%
Home value to income: 2.6× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

70%

Carpooled

Transit

Walked

Bicycle

0.1%

Worked from home

13%

Other

Commute time (one way)

<10 min

11%

10–19

33%

20–29

27%

30–44

23%

45–59

60+

Average commute

22.8 min

U.S. 26.4 min

Unemployment

8.6%

U.S. 5.2%

In labor force

58.6%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Office and admin

15%

Healthcare

12%

Transportation and moving

11%

Management

Construction and repair

Cleaning and personal care

Sales

Business and finance

Computer and math

Education

Arts, media and sports

Food service

Production

Police and fire

Legal and social services

Engineering and science

Farming, fishing and forestry

0.1%

Industries

Health care and social assistance

19%

Retail

12%

Finance, insurance and real estate

Public administration

Transportation, warehousing and utilities

Restaurants and hotels

Education

Professional and technical services

Admin, support and management

Other services

Construction

Manufacturing

Arts and recreation

Information

Wholesale

Agriculture and mining

0.5%

Median earnings per worker

$48,104

U.S. $49,666

Self-employed

8.8%

U.S. 10%

Government workers

17%

U.S. 14.5%

Nonprofit workers

18.2%

U.S. 8.8%

Median earnings by type of work

Type of work	12304	U.S.
Management, business, science and arts	$77,098	$74,888
Service	$33,586	$26,804
Sales and office	$48,082	$40,476
Construction and maintenance	$48,596	$49,199
Production and transportation	$30,769	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

12%

High school

32%

Some college

17%

Associate's

13%

Bachelor's

15%

Graduate

11%

High school graduate or higher: 87.7%
Bachelor's degree or higher: 25.6%
Graduate or professional degree: 10.7%
Households with broadband: 86.4%
Cable, fiber or DSL: 78.4%
No internet access: 9%
Without health insurance: 3.1%
Limited-English households: 2%

Geography

City (USPS): Schenectady
State: New York
County: Schenectady County
Center point: 42.7747° N, 73.8983° W
Land area: 6.7 sq mi
Water area: under 0.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

12304 spans 2 counties

Schenectady County66% of land
Albany County34% of land

Cities and towns within this zip

Schenectady46% of zip
Niskayuna (unincorporated)15% of zip
Rotterdam (unincorporated)5% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 12304

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
12303	Schenectady, NY	2.4 mi	29,360	$84,375	$238,100
12309	Schenectady, NY	2.4 mi	33,246	$125,274	$330,700
12307	Schenectady, NY	2.7 mi	7,050	$24,758	$104,600
12301	Schenectady, NY · PO box	3.4 mi	—	—	—
12308	Schenectady, NY	3.4 mi	15,511	$63,434	$211,900
12345	Schenectady, NY · PO box	3.4 mi	—	—	—
12305	Schenectady, NY	3.7 mi	7,356	$53,326	$217,500
12148	Rexford, NY	4.5 mi	4,023	$141,984	$427,400
12084	Guilderland, NY	4.8 mi	5,328	$91,063	$348,600
12205	Albany, NY	5.4 mi	25,838	$91,020	$276,600
12008	Alplaus, NY	5.5 mi	422	$125,859	$304,300
12212	Albany, NY · PO box	6 mi	—	—	—

Zip codes like 12304 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 12304

What city is zip code 12304?

12304 is assigned to Schenectady, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 12304 in?

12304 is mostly in Schenectady County, but it extends into 1 other county.

What is the population of 12304?

About 22,403 people live in 12304, according to the Census Bureau's American Community Survey.

What time zone is 12304 in?

12304 is in Eastern Time.

What is the median household income in 12304?

The median household income in 12304 is $69,235.

What zip codes are near 12304?

The closest zip codes to 12304 are 12303, 12309, 12307, 12301, 12308.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 12304, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.